Pacific Coast Bankers' Bank: how it compares with its peers
Against 35 CA banks with half to twice its assets, Pacific Coast Bankers' Bank's strongest measure in Q2 2026 is assets per employee ($9.8M vs. a $10.0M peer median). Its weakest relative measure is efficiency ratio (81.03% vs. 60.43%).
| Measure | Pacific Coast Bankers' Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.67% | 1.09% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.08% | 3.80% | Bottom third Ahead of 9% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.03% | 60.43% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.8M | $10.0M | Middle third Ahead of 49% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.88% | 89.53% | Context |
What it means for lending operations
Its efficiency ratio of 81.03% is above the 60.43% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Provident Savings Bank, F.S.B. Riverside, CA · $1.21B
- Bank of the Orient San Francisco, CA · $1.21B
- Commerce West Bank Irvine, CA · $1.20B
- First General Bank Rowland Heights, CA · $1.17B
- Savings Bank of Mendocino County Ukiah, CA · $1.28B
- EverTrust Bank City Of Industry, CA · $1.13B
Questions about Pacific Coast Bankers' Bank
How big is Pacific Coast Bankers' Bank?
Pacific Coast Bankers' Bank, established in 1997, is headquartered in Walnut Creek, CA. It reported $1.21B in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Pacific Coast Bankers' Bank's return on assets?
0.67% annualized in Q2 2026, against a 1.09% median for 35 CA banks with half to twice its assets, ahead of 20% of them.
What is Pacific Coast Bankers' Bank's efficiency ratio?
81.03% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 60.43%, and lower is better.
Is Pacific Coast Bankers' Bank growing its loans?
Net loans grew 22.6% over the year to Q2 2026, while deposits grew 48.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.